| @Repayment |
| Feature: LoanRepayment - Part4 |
| |
| @TestRailId:C4353 |
| Scenario: Verify the loan creation with total disbursement amount less then 1 for progressive loan - UC2 |
| When Admin sets the business date to "26 October 2025" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with loan product`s charges and following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF_BEHAVIOUR | 26 October 2025 | 1 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 1 | MONTHS | 1 | MONTHS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "26 October 2025" with "1" amount and expected disbursement date on "26 October 2025" |
| Then Loan Repayment schedule has 1 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 26 October 2025 | | 1.0 | | | 0.0 | | 0.0 | | | | 0.0 | |
| | 1 | 31 | 26 November 2025 | | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | |
| When Admin successfully disburse the loan on "26 October 2025" with "0.4" EUR transaction amount |
| Then Loan Repayment schedule has 1 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 26 October 2025 | | 0.4 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 26 November 2025 | | 0.0 | 0.4 | 0.0 | 0.0 | 0.0 | 0.4 | 0.0 | 0.0 | 0.0 | 0.4 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 0.4 | 0.0 | 0.0 | 0.0 | 0.4 | 0.0 | 0.0 | 0.0 | 0.4 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 26 October 2025 | Disbursement | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.4 | false | false | |
| When Admin sets the business date to "27 October 2025" |
| When Loan Pay-off is made on "27 October 2025" |
| Then Loan Repayment schedule has 1 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 26 October 2025 | | 0.4 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 26 November 2025 | 27 October 2025 | 0.0 | 0.4 | 0.0 | 0.0 | 0.0 | 0.4 | 0.4 | 0.4 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 0.4 | 0.0 | 0.0 | 0.0 | 0.4 | 0.4 | 0.4 | 0.0 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 26 October 2025 | Disbursement | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.4 | false | false | |
| | 27 October 2025 | Repayment | 0.4 | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | false | false | |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C4354 |
| Scenario: Verify the loan creation with total disbursement amount less then 1 for progressive loan - 2 repayments |
| When Admin sets the business date to "26 October 2025" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with loan product`s charges and following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF_BEHAVIOUR | 26 October 2025 | 1 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 2 | MONTHS | 1 | MONTHS | 2 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "26 October 2025" with "1" amount and expected disbursement date on "26 October 2025" |
| Then Loan Repayment schedule has 2 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 26 October 2025 | | 1.0 | | | 0.0 | | 0.0 | | | | 0.0 | |
| | 1 | 31 | 26 November 2025 | | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | |
| | 2 | 30 | 26 December 2025 | | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | |
| When Admin successfully disburse the loan on "26 October 2025" with "0.4" EUR transaction amount |
| Then Loan Repayment schedule has 2 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 26 October 2025 | | 0.4 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 26 November 2025 | | 0.0 | 0.4 | 0.0 | 0.0 | 0.0 | 0.4 | 0.0 | 0.0 | 0.0 | 0.4 | |
| | 2 | 30 | 26 December 2025 | 26 October 2025 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 0.4 | 0.0 | 0.0 | 0.0 | 0.4 | 0.0 | 0.0 | 0.0 | 0.4 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 26 October 2025 | Disbursement | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.4 | false | false | |
| When Admin sets the business date to "27 October 2025" |
| When Loan Pay-off is made on "27 October 2025" |
| Then Loan Repayment schedule has 2 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 26 October 2025 | | 0.4 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 26 November 2025 | 27 October 2025 | 0.0 | 0.4 | 0.0 | 0.0 | 0.0 | 0.4 | 0.4 | 0.4 | 0.0 | 0.0 | |
| | 2 | 30 | 26 December 2025 | 26 October 2025 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 0.4 | 0.0 | 0.0 | 0.0 | 0.4 | 0.4 | 0.4 | 0.0 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 26 October 2025 | Disbursement | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.4 | false | false | |
| | 27 October 2025 | Repayment | 0.4 | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | false | false | |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C4648 |
| Scenario: Verify repayment undo with linked chargeback fails with proper error |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_PENALTY_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" |
| When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| When Admin sets the business date to "15 March 2024" |
| When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount |
| Then Customer undo "1"th transaction made on "01 February 2024" results a 403 error and "update not allowed as loan transaction is linked to other transactions" error message |
| When Loan Pay-off is made on "15 March 2024" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C4683 @AdvancedPaymentAllocation @ProgressiveLoanSchedule |
| Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical, prepayment with NEXT_INSTALLMENT strategy |
| When Admin sets the business date to "23 February 2026" |
| When Admin creates a client with random data |
| When Admin set "LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_VERTICAL_INTEREST_RECALC" loan product "REPAYMENT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_VERTICAL_INTEREST_RECALC | 01 January 2026 | 25000000 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2026" with "25000000" amount and expected disbursement date on "01 January 2026" |
| When Admin successfully disburse the loan on "01 January 2026" with "25000000" EUR transaction amount |
| Then Loan Repayment schedule has 12 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2026 | | 25000000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2026 | | 23034153.81 | 1965846.19 | 254794.52 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 2 | 28 | 01 March 2026 | | 21039772.25 | 1994381.56 | 226259.15 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 3 | 31 | 01 April 2026 | | 19033564.29 | 2006207.96 | 214432.75 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 4 | 30 | 01 May 2026 | | 17000651.89 | 2032912.4 | 187728.31 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 5 | 31 | 01 June 2026 | | 14953278.1 | 2047373.79 | 173266.92 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 6 | 30 | 01 July 2026 | | 12880121.78 | 2073156.32 | 147484.39 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 7 | 31 | 01 August 2026 | | 10790752.45 | 2089369.33 | 131271.38 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 8 | 31 | 01 September 2026 | | 8680088.72 | 2110663.73 | 109976.98 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 9 | 30 | 01 October 2026 | | 6545059.84 | 2135028.88 | 85611.83 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 10 | 31 | 01 November 2026 | | 4391124.95 | 2153934.89 | 66705.82 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 11 | 30 | 01 December 2026 | | 2213793.97 | 2177330.98 | 43309.73 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 12 | 31 | 01 January 2027 | | 0.0 | 2213793.97 | 22562.5 | 0.0 | 0.0 | 2236356.47 | 0.0 | 0.0 | 0.0 | 2236356.47 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 25000000.0 | 1663404.28 | 0.0 | 0.0 | 26663404.28 | 0.0 | 0.0 | 0.0 | 26663404.28 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 January 2026 | Disbursement | 25000000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 25000000.0 | |
| When Loan Pay-off is made on "23 February 2026" |
| Then Loan Repayment schedule has 12 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2026 | | 25000000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2026 | 23 February 2026 | 23034153.81 | 1965846.19 | 254794.52 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 0.0 | 2220640.71 | 0.0 | |
| | 2 | 28 | 01 March 2026 | 23 February 2026 | 20813513.1 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 3 | 31 | 01 April 2026 | 23 February 2026 | 18592872.39 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 4 | 30 | 01 May 2026 | 23 February 2026 | 16372231.68 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 5 | 31 | 01 June 2026 | 23 February 2026 | 14151590.97 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 6 | 30 | 01 July 2026 | 23 February 2026 | 11930950.26 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 7 | 31 | 01 August 2026 | 23 February 2026 | 9710309.55 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 8 | 31 | 01 September 2026 | 23 February 2026 | 7489668.84 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 9 | 30 | 01 October 2026 | 23 February 2026 | 5269028.13 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 10 | 31 | 01 November 2026 | 23 February 2026 | 3048387.42 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 11 | 30 | 01 December 2026 | 23 February 2026 | 827746.71 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 12 | 31 | 01 January 2027 | 23 February 2026 | 0.0 | 827746.71 | 180821.92 | 0.0 | 0.0 | 1008568.63 | 1008568.63 | 1008568.63 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 25000000.0 | 435616.44 | 0.0 | 0.0 | 25435616.44 | 25435616.44 | 23214975.73 | 2220640.71 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 January 2026 | Disbursement | 25000000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 25000000.0 | |
| | 23 February 2026 | Repayment | 25435616.44 | 25000000.0 | 435616.44 | 0.0 | 0.0 | 0.0 | |
| | 23 February 2026 | Accrual | 435616.44 | 0.0 | 435616.44 | 0.0 | 0.0 | 0.0 | |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| When Admin set "LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_VERTICAL_INTEREST_RECALC" loan product "REPAYMENT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule |
| |
| @TestRailId:C4684 @AdvancedPaymentAllocation @ProgressiveLoanSchedule |
| Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical, prepayment with LAST_INSTALLMENT strategy |
| When Admin sets the business date to "23 February 2026" |
| When Admin creates a client with random data |
| When Admin set "LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_VERTICAL_INTEREST_RECALC" loan product "REPAYMENT" transaction type to "LAST_INSTALLMENT" future installment allocation rule |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_VERTICAL_INTEREST_RECALC | 01 January 2026 | 25000000 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2026" with "25000000" amount and expected disbursement date on "01 January 2026" |
| When Admin successfully disburse the loan on "01 January 2026" with "25000000" EUR transaction amount |
| Then Loan Repayment schedule has 12 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2026 | | 25000000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2026 | | 23034153.81 | 1965846.19 | 254794.52 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 2 | 28 | 01 March 2026 | | 21039772.25 | 1994381.56 | 226259.15 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 3 | 31 | 01 April 2026 | | 19033564.29 | 2006207.96 | 214432.75 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 4 | 30 | 01 May 2026 | | 17000651.89 | 2032912.4 | 187728.31 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 5 | 31 | 01 June 2026 | | 14953278.1 | 2047373.79 | 173266.92 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 6 | 30 | 01 July 2026 | | 12880121.78 | 2073156.32 | 147484.39 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 7 | 31 | 01 August 2026 | | 10790752.45 | 2089369.33 | 131271.38 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 8 | 31 | 01 September 2026 | | 8680088.72 | 2110663.73 | 109976.98 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 9 | 30 | 01 October 2026 | | 6545059.84 | 2135028.88 | 85611.83 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 10 | 31 | 01 November 2026 | | 4391124.95 | 2153934.89 | 66705.82 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 11 | 30 | 01 December 2026 | | 2213793.97 | 2177330.98 | 43309.73 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 12 | 31 | 01 January 2027 | | 0.0 | 2213793.97 | 22562.5 | 0.0 | 0.0 | 2236356.47 | 0.0 | 0.0 | 0.0 | 2236356.47 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 25000000.0 | 1663404.28 | 0.0 | 0.0 | 26663404.28 | 0.0 | 0.0 | 0.0 | 26663404.28 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 January 2026 | Disbursement | 25000000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 25000000.0 | |
| When Loan Pay-off is made on "23 February 2026" |
| Then Loan Repayment schedule has 12 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2026 | | 25000000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2026 | 23 February 2026 | 23034153.81 | 1965846.19 | 254794.52 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 0.0 | 2220640.71 | 0.0 | |
| | 2 | 28 | 01 March 2026 | 23 February 2026 | 22206407.14 | 827746.67 | 180821.92 | 0.0 | 0.0 | 1008568.59 | 1008568.59 | 1008568.59 | 0.0 | 0.0 | |
| | 3 | 31 | 01 April 2026 | 23 February 2026 | 19985766.43 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 4 | 30 | 01 May 2026 | 23 February 2026 | 17765125.72 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 5 | 31 | 01 June 2026 | 23 February 2026 | 15544485.01 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 6 | 30 | 01 July 2026 | 23 February 2026 | 13323844.3 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 7 | 31 | 01 August 2026 | 23 February 2026 | 11103203.59 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 8 | 31 | 01 September 2026 | 23 February 2026 | 8882562.88 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 9 | 30 | 01 October 2026 | 23 February 2026 | 6661922.17 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 10 | 31 | 01 November 2026 | 23 February 2026 | 4441281.46 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 11 | 30 | 01 December 2026 | 23 February 2026 | 2220640.75 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 12 | 31 | 01 January 2027 | 23 February 2026 | 0.0 | 2220640.75 | 0.0 | 0.0 | 0.0 | 2220640.75 | 2220640.75 | 2220640.75 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 25000000.0 | 435616.44 | 0.0 | 0.0 | 25435616.44 | 25435616.44 | 23214975.73 | 2220640.71 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 January 2026 | Disbursement | 25000000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 25000000.0 | |
| | 23 February 2026 | Repayment | 25435616.44 | 25000000.0 | 435616.44 | 0.0 | 0.0 | 0.0 | |
| | 23 February 2026 | Accrual | 435616.44 | 0.0 | 435616.44 | 0.0 | 0.0 | 0.0 | |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| When Admin set "LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_VERTICAL_INTEREST_RECALC" loan product "REPAYMENT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule |
| |
| @TestRailId:C4685 @AdvancedPaymentAllocation @ProgressiveLoanSchedule |
| Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical, prepayment with NEXT_LAST_INSTALLMENT strategy |
| When Admin sets the business date to "23 February 2026" |
| When Admin creates a client with random data |
| When Admin set "LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_VERTICAL_INTEREST_RECALC" loan product "REPAYMENT" transaction type to "NEXT_LAST_INSTALLMENT" future installment allocation rule |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_VERTICAL_INTEREST_RECALC | 01 January 2026 | 25000000 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2026" with "25000000" amount and expected disbursement date on "01 January 2026" |
| When Admin successfully disburse the loan on "01 January 2026" with "25000000" EUR transaction amount |
| Then Loan Repayment schedule has 12 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2026 | | 25000000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2026 | | 23034153.81 | 1965846.19 | 254794.52 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 2 | 28 | 01 March 2026 | | 21039772.25 | 1994381.56 | 226259.15 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 3 | 31 | 01 April 2026 | | 19033564.29 | 2006207.96 | 214432.75 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 4 | 30 | 01 May 2026 | | 17000651.89 | 2032912.4 | 187728.31 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 5 | 31 | 01 June 2026 | | 14953278.1 | 2047373.79 | 173266.92 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 6 | 30 | 01 July 2026 | | 12880121.78 | 2073156.32 | 147484.39 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 7 | 31 | 01 August 2026 | | 10790752.45 | 2089369.33 | 131271.38 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 8 | 31 | 01 September 2026 | | 8680088.72 | 2110663.73 | 109976.98 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 9 | 30 | 01 October 2026 | | 6545059.84 | 2135028.88 | 85611.83 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 10 | 31 | 01 November 2026 | | 4391124.95 | 2153934.89 | 66705.82 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 11 | 30 | 01 December 2026 | | 2213793.97 | 2177330.98 | 43309.73 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 12 | 31 | 01 January 2027 | | 0.0 | 2213793.97 | 22562.5 | 0.0 | 0.0 | 2236356.47 | 0.0 | 0.0 | 0.0 | 2236356.47 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 25000000.0 | 1663404.28 | 0.0 | 0.0 | 26663404.28 | 0.0 | 0.0 | 0.0 | 26663404.28 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 January 2026 | Disbursement | 25000000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 25000000.0 | |
| When Loan Pay-off is made on "23 February 2026" |
| Then Loan Repayment schedule has 12 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2026 | | 25000000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2026 | 23 February 2026 | 23034153.81 | 1965846.19 | 254794.52 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 0.0 | 2220640.71 | 0.0 | |
| | 2 | 28 | 01 March 2026 | 23 February 2026 | 20813513.1 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 3 | 31 | 01 April 2026 | 23 February 2026 | 19985766.43 | 827746.67 | 180821.92 | 0.0 | 0.0 | 1008568.59 | 1008568.59 | 1008568.59 | 0.0 | 0.0 | |
| | 4 | 30 | 01 May 2026 | 23 February 2026 | 17765125.72 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 5 | 31 | 01 June 2026 | 23 February 2026 | 15544485.01 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 6 | 30 | 01 July 2026 | 23 February 2026 | 13323844.3 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 7 | 31 | 01 August 2026 | 23 February 2026 | 11103203.59 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 8 | 31 | 01 September 2026 | 23 February 2026 | 8882562.88 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 9 | 30 | 01 October 2026 | 23 February 2026 | 6661922.17 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 10 | 31 | 01 November 2026 | 23 February 2026 | 4441281.46 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 11 | 30 | 01 December 2026 | 23 February 2026 | 2220640.75 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 12 | 31 | 01 January 2027 | 23 February 2026 | 0.0 | 2220640.75 | 0.0 | 0.0 | 0.0 | 2220640.75 | 2220640.75 | 2220640.75 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 25000000.0 | 435616.44 | 0.0 | 0.0 | 25435616.44 | 25435616.44 | 23214975.73 | 2220640.71 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 January 2026 | Disbursement | 25000000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 25000000.0 | |
| | 23 February 2026 | Repayment | 25435616.44 | 25000000.0 | 435616.44 | 0.0 | 0.0 | 0.0 | |
| | 23 February 2026 | Accrual | 435616.44 | 0.0 | 435616.44 | 0.0 | 0.0 | 0.0 | |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| When Admin set "LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_VERTICAL_INTEREST_RECALC" loan product "REPAYMENT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule |
| |
